Malaga FinancialMLGF -0.11%55 Return-on-Tangible-Equity is 9.94% as of Dec. 2025, which is 16% below its 10-year median of 11.86. GuruFocus rates MLGF with a GF Score™ of 55/100 and a GF Value™ of $20.18 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,522 Banks companies, Malaga Financial ranks worse than 58.02% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Malaga Financial's annualized net income for the quarter that ended in Dec. 2025 was $21.55 Mil. Malaga Financial's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $216.80 Mil. Therefore, Malaga Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 9.94%.
The historical rank and industry rank for Malaga Financial's Return-on-Tangible-Equity or its related term are showing as below:
MLGF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.94 Med: 11.86 Max: 15.28
Current: 9.94
During the past 13 years, Malaga Financial's highest Return-on-Tangible-Equity was 15.28%. The lowest was 9.94%. And the median was 11.86%.
MLGF's Return-on-Tangible-Equity is ranked worse than 58.02% of 1522
companies
in the Banks industry
Industry Median: 11.24
vs MLGF: 9.94
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Malaga Financial Return-on-Tangible-Equity Related Terms
Malaga Financial Return-on-Tangible-Equity Historical Data
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The historical data trend for Malaga Financial's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MLGF vs MRBK, EFSI, CBTN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Malaga Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Malaga Financial Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Malaga Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Malaga Financial's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.94% mean?
Malaga Financial (MLGF) has a Return-on-Tangible-Equity of 9.94% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Malaga Financial and its competitors. This is 16% below median its historical median of 11.86. Over the past decade, Malaga Financial's Return-on-Tangible-Equity has ranged from 9.94 to 15.28. According to the industry distribution chart, Malaga Financial ranks #883 out of 1522 companies in the Banks industry, placing it in the top 58%.
Is Malaga Financial's Return-on-Tangible-Equity too high?
Malaga Financial's current Return-on-Tangible-Equity of 9.94% is 16% below median its 10-year median of 11.86. Over the past 10 years, this metric has ranged from a low of 9.94 to a high of 15.28. The Banks industry median Return-on-Tangible-Equity is 11.24. Malaga Financial's value of 9.94% is 11.6% below this industry median. Based on the distribution chart, Malaga Financial ranks #883 out of 1522 companies in the Banks industry, which is below the industry midpoint. Overall, Malaga Financial has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Malaga Financial's Return-on-Tangible-Equity compare to MRBK and EFSI?
According to the Banks industry distribution chart, Malaga Financial ranks #883 out of 1522 companies for Return-on-Tangible-Equity. This places Malaga Financial in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.24. Malaga Financial's value of 9.94% is 11.6% below this benchmark. Historically, Malaga Financial's own Return-on-Tangible-Equity has ranged from 9.94 to 15.28 over the past decade. While the company's 10-year median is 11.86 vs. the industry median of 11.24, Malaga Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.24, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Malaga Financial's current Return-on-Tangible-Equity of 9.94% is 11.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Malaga Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Malaga Financial's current Return-on-Tangible-Equity is 9.94%, which is 16% below median its own 10-year median of 11.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Malaga Financial stock overvalued right now?
Based on GuruFocus' analysis, Malaga Financial (MLGF) is currently considered Fairly Valued. The stock's GF Value™ is $20.18, compared to a current price of $21.47 — trading 6.4% above its estimated fair value. The current Return-on-Tangible-Equity is 9.94%, which is 16% below median its 10-year median of 11.86 and 11.6% below the Banks industry median of 11.24. Malaga Financial's overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Malaga Financial (MLGF), the current Return-on-Tangible-Equity is 9.94% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Malaga Financial (MLGF) Overvalued in 2026?
Based on GuruFocus' analysis, Malaga Financial stock appears to be overvalued.
The current stock price of $21.47 is trading 6.4% above its estimated GF Value™ of $20.18.
GuruFocus considers Malaga Financial to be Fairly Valued.
Key valuation signals for MLGF:
Return-on-Tangible-Equity: 9.94% (16% below median its 10-year median of 11.86)
GF Value™: $20.18 vs. price of $21.47 (6.4% above fair value)
Industry Position: 11.6% below the Banks median (#883 of 1522)
No single metric tells the full story. See the MLGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Malaga Financial Corp is a full-service community bank. The bank is a real estate lender concentrating on financing apartments, construction projects, and single-family residences. Its operations are related to traditional banking activities, including the acceptance of deposits and the lending and investing of money. Its customers consist of individuals and small-to-midsize businesses located in the Palos Verdes Peninsula and adjoining areas of Los Angeles and Orange Counties, California.
55GF Score
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